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Indiana Rates and Terms

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Indiana Consumer Information

Indiana Payday Loan Terms

Our short-term payday loans put a cash deposit directly into your checking account. In general, the due date of your loan is tied to your next pay date. See HOW YOUR DUE DATE IS DETERMINED below for details. When your loan is due, we automatically access your checking account via an authorized electronic withdrawal or, if you have provided it, the debit card associated with your checking account. For alternative repayment options, please contact us.

Representative Example of Payday Loan Fees:

A 14-day Payday Loan of $200 has an Annual Percentage Rate of 391.07% and a finance charge of $30.

To view additional examples of payday loan fees, select a loan amount and duration from the drop-down menus below. Your results will be shown below once you select a loan amount, duration, and click the ‘Submit’ button.

 
day Payday Loan of has an Annual Percentage Rate of %. Finance Charge: .

To view a specific payday loan example, select loan amount and duration. Terms will be shown here when you click the 'Submit' button.

This is only for illustrative purposes and provides an example of a typical payday loan we offer to qualified applicants. If approved, the specific rates and terms of your loan agreement will depend on your qualifications.

WARNING: A small loan is not intended to meet long term financial needs. A small loan should be used only to meet short term cash needs. The cost of your small loan may be higher than loans offered by other lending institutions. Small loans are regulated by the state of Indiana Department of Financial Institutions.

A borrower may rescind a small loan without cost by paying the cash amount of the principal of the small loan to the lender not later than the end of the business day immediately following the day on which the borrower receives the loan proceeds.

To find out if you are eligible for a payday loan, fill out a new customer application and you'll be on the road to quick cash. If you have questions about your eligibility for a loan, learn more about payday loans, or contact us at 1-800-460-4305. Once you have been approved, sign in at the customer page and submit your request for a payday loan.

A single payday loan is typically two to four weeks. However, borrowers often use these loans over a period of months, which can be expensive. Payday loans are not recommended as long-term financial solutions.

How your due date is determined:

The terms of these payday loans are 14-35 days. In general, the system will set your loan due date to coincide with your next payday. If you need a different due date not available in the system, please call 1-800-460-4305 for assistance. We suggest making your loan due date on your next payday, whenever possible.

Repayment Options:

When your loan is due, we will automatically withdraw the total amount due from your account via an authorized electronic withdrawal or, if you have provided it, the debit card associated with your checking account. If you need an alternative method of payment, please call 1-800-460-4305. Please remember that if you cannot repay your loan in full on its due date, you should contact us one banking day before your loan is due. Refinances are not allowed in Indiana.

A one-time insufficient funds fee of $25 may be charged if your ACH or debit card payment is returned by your bank.

At the time you enter the third, fourth, or fifth consecutive loan, Cash Central is required to offer you an extended payment plan (EPP). You shall be permitted to request an EPP at any time during the term of a third or subsequent consecutive small loan if you have not defaulted on the outstanding small loan, provided the period in which you have a right to cancel and rescind the loan has expired. No additional fees may be added to this payment plan. You should review all disclosures and contractual materials presented to you to determine if you want to enter into such an agreement. Under the EPP you will be permitted to repay the small loan in at least four (4) equal installments over a period of not less than sixty (60) days. Once you have entered into an EPP, you will not be able to enter into another small loan transaction with any small loan lender until the EPP is paid in full. Further note that a seven-day cooling-off period applies after you have had a total of six loans (an initial loan followed by five consecutive loans) with any one lender.

For more information on repayment options such as courtesy moves, refinances, and extended or variable payment plans, please contact us at 1-800-460-4305, or visit our FAQ page.

ACH/EFT Authorization:

Your online agreement will be governed by the laws and regulations of the state of Indiana. If your authorized ACH debit is returned for any reason you agree to the following:

  • You are authorizing us to initiate electronic debits to your account in the amounts up to or less than the amount owed until the amount owed is paid in full. Your authorization shall remain in effect until we have received written notice of its termination. We must also have had a reasonable opportunity to act on this authorization.
If you have questions or concerns regarding your Cash Central/CCF loan, please feel free to call us at 1-800-460-4305 or contact us via email at customerservice@cashcentral.com.